Insurance Disclosure

Insurance disclosure

Home Hardening Score is an informational self-assessment tool operated by AACI Group, Inc. It is designed to evaluate home hardening and wildfire-related property characteristics and to provide general insights related to wildfire mitigation and loss prevention.

Scores, assessments, and recommendations generated through this platform are for informational and educational purposes only and should not be relied upon as insurance advice or determinations of coverage eligibility.

Policy review requests

At your option, you may request a review of your existing insurance policy through Home Hardening Score. If you elect to do so, your information may be securely shared with Five Bays Insurance Agency, a licensed insurance agency, so that a licensed insurance producer may review your policy and discuss potential insurance options with you.

Submitting a policy review request:

• Does not constitute an application for insurance
• Does not guarantee coverage, pricing, or eligibility
• Does not obligate you to purchase any insurance policy

All insurance services are provided solely by Five Bays Insurance Agency and are subject to applicable licensing requirements, underwriting guidelines, and state regulatory approval.

Home Hardening Score is operated by AACI Group, which also owns Five Bays Insurance Agency, a licensed California insurance agency. If you request quotes, Five Bays may earn commission on any policy placed.

HHS aggregates publicly available federal and state data for informational purposes. It is not affiliated with, endorsed by, or acting on behalf of any government agency, fire department, or insurer. Our scores and estimates are not guarantees of coverage, premium, safety, or any outcome, and are not professional, insurance, legal, financial or engineering advice. Data may be incomplete, delayed, or contain errors.

Licensing information

Insurance services are offered through:

Five Bays Insurance Agency
Licensed Insurance Agency
California Department of Insurance License: 6016871
Additional state licenses available at https://www.fbia.com/licenses

For information about insurance licensing in California, visit the California Department of Insurance at: https://www.insurance.ca.gov

Important notices

• Home Hardening Score does not act on behalf of any insurance carrier.
• Scores or assessments do not guarantee coverage availability, eligibility, or insurance pricing outcomes.
• Insurance decisions are made by licensed agents and insurance carriers, not by Home Hardening Score.